Things you need to know before you borrow $$...
Hey neighbours, are you thinking of borrowing money by taking out a loan?
Before you do - there's a few things you really need to know about. Take a minute and read the tips below to ensure you're asking the right questions and getting the best loan for you.
1. Shop around! Interest rates, fees and terms must be made available to you by the lender. Make sure you compare details and make an informed decision about what loan is best for you.
2. Choose a lender. Did you know that when you borrow money to buy something, you don’t have to borrow from the same person who is selling the goods?
3. Understand. Whoever is loaning you the money must ask questions to make sure you can afford the loan. They also need to help you understand the key terms of the loan.
4. Be prepared. You'll need to provide your lender with information to show that you can afford to repay the loan. This might include proof of income and expenses so make sure you have it ready.
Don't get on Auntie's bad side and do your research! You can find more information here.
Your friends at Neighbourly
What workplace change would you like to see most?
This coming Monday is Labour Day in New Zealand. This public holiday marks when the eight-hour workday and 48-hour workweek became law in 1899. The idea started with Samuel Parnell, a carpenter in Wellington, who in 1840 refused to work more than eight hours a day. Since skilled workers were in short supply, his employer had to agree.
As more skilled workers arrived, employers tried to change working conditions, but Parnell and others kept pushing for better rights. In 1890, Parnell led a Labour Day parade of 1,500 people to promote the eight-hour day. He passed away shortly after, and nine years later, Labour Day became an official public holiday.
Do you feel that we have reached the ideal in working environments yet? What rights are you passionate about relating to employment? Share your thoughts!
Your Daily Brain Workout: Ready to Riddle?
What is 3/7 chicken, 2/3 cat, and 1/2 goat?
Do you think you know the answer to our daily riddle? Don't spoil it for your neighbours! Simply 'Like' this post and we'll post the answer in the comments below at 2pm.
Want to stop seeing riddles in your newsfeed?
Head here and hover on the Following button on the top right of the page (and it will show Unfollow) and then click it. If it is giving you the option to Follow, then you've successfully unfollowed the Riddles page.
Six tips for improving security around your home
1) Improve outdoor lighting
Ensure that streets, driveways, and front yards are well-lit. Motion-sensor lights around homes deter trespassers by reducing hiding spots and illuminating their movements.
2) Trim your trees
Overgrown shrubs and trees provide cover for intruders. Keeping them well-trimmed around windows and doors improves visibility and reduces potential hiding spots.
3) Secure Entry Points
Ensure doors, windows, and gates are always closed when you are away from the house. Upgrade to more secure locks, deadbolts, or even smart locks for added protection.
4) Add a security camera
Place security cameras in the main entry points to your home. Doorbell cameras are also relatively cheap and a great way to keep track of who is visiting your home when you aren't there.
5) Start a Neighborhood Watch Program
You could reach out to members on Neighbourly to form a group of neighbors who can regularly keep an eye out for suspicious activity and report it. You could also check with Neighbourhood Support to see what is existing in your area.
6) Introduce yourself to your neighbours
The closer you are to your neighbors, the more likely they’ll notice when something unusual or suspicious is happening around your property
Feel free to share anything that you do around your area to deter crime.
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